Use Determination Risk Coverage Datastructure for On-Demand and Increased Efficiency Coverage Detection and Rebalancing Apparatuses, Methods and Systems

The Use Determination Risk Coverage Datastructure for On-Demand and Increased Efficiency Coverage Detection and Rebalancing Apparatuses, Methods and Systems (“UDRCD”) transforms coverage enrollment request, event signal inputs via UDRCD components into coverage enrollment response, add-in recommendation outputs. A coverage enrollment request from a user is obtained. Available options for an enrollment user interface are configured based on the plan sponsor settings. Copay setting selections for individual core coverage services, atomized condition add-in selections, and atomized procedure add-in selections are obtained via the enrollment user interface. A core coverage cost and add-in coverage costs are calculated using the associated modeling data. A user cost for the user is calculated based on the core coverage cost, the subsidization settings for the core coverage cost, the add-in coverage costs, and the subsidization settings for the add-in coverage costs. The enrollment user interface is configured to display the calculated user cost for the user.